Finance
ComedianHealth Insurance: Claims ka Chakkar ya Premium ka Drama?
Arre bhai, health insurance lene se pehle toh sab kuch compare karte hain—premium, benefits, hospital networks, lekin claims ka kya? Irdai ka ICR toh sabse zaroori hai! 2024-25 ki report mein pata chala ki public insurers toh zyada claims chukate hain. Matlab, agar aapko 100 ka premium diya, toh 85 ka claim milega. Toh sochiye zara, kya aapka insurer aapka saath de raha hai ya sirf premium ka chakkar hai?
few days ago | Amit Kumar
Quick rundown
1.Incurred claim ratio is key to assessing insurer reliability.
2.Irdai's annual report offers insights into insurer performance.
3.Private insurers show more moderate ICR levels than public ones.
4.Standalone health insurers have a combined ICR of 68.06%.
5.ICR data is a starting point; consider multi-year trends and exclusions.
